There is no money left, then how should I invest, there is no separate income, which I can save for the future. Most of the middle class and low income people have this complaint. Because in reality their income is so low that they are not able to save much even if they wanted to.
But today there is an option by which you can make big money by depositing small amounts in a few years. This amount will not go out of your pocket. That means this amount will not be part of your earnings. You must be wondering where the free money will come from, by accumulating which you can become rich.
Let us explain the whole matter to you, if you do SIP of only Rs 1000 in Mutual Fund every month, then in 10 years, according to 12% return, you will get a total of Rs 2,32,339, while according to 15% return, you will get Rs 2,339. You will get Rs 78,657. If the return is 18 percent per annum then you will get Rs 3.36 lakh.
If you continue the investment for 20 years, then at 12% return you will get a total of Rs 10 lakh annually, while at 15% return you will get a total of Rs 15.15 lakh. At the same time, according to 18% return, you will get a total of Rs 23 lakh. That means by saving only Rs 1000 monthly you can deposit Rs 23 lakh in 20 years.
How to invest without money?
Now the question arises that where will the money come from to deposit Rs 1000 every month? This money will be absolutely free, it will not be your hard earned money. In fact, today many state governments are running schemes across the country, especially for women, there are such schemes in many states, where they get Rs 1000 to Rs 1500 every month, this money is transferred directly into their bank accounts by the government. are inserted so that the beneficiary gets its direct benefit.
Madhya Pradesh government’s Ladli Brahmin Yojana is most talked about across the country. Under this scheme, Rs 1000 was sent every month to the accounts of all the dear sisters, which has now been increased to Rs 1250. A similar scheme is going to be started in Rajasthan. This means that gradually in almost all the states of the country, some or the other schemes for women are running or are about to be started.
In Maharashtra, under the Chief Minister Ladli Brahmin Yojana, women are being given Rs 1500 every month. At present, this scheme in the state is for March 2025, but it is being said that provision will be made every year in the budget to continue it further.
Announcement of giving Rs 1000 per month to women in these states also
In this series, last month, the Jharkhand government has announced to provide financial assistance of Rs 1000 every month to women of all categories between 21 to 50 years under the CM Sister-Daughter (Mai-Kui) Self-reliance Promotion Scheme. Apart from this, the Aam Aadmi Party (AAP) government in Delhi has announced that under the Chief Minister Mahila Samman Yojana, girls and women of Delhi will be given Rs 1000 every month.
Apart from this, Rs 6000 is deposited annually in the bank accounts of farmers across the country as Kisan Samman Nidhi by the Central Government. If seen in this way, different cash schemes of the Center and the State are running in the country. This amount is given to women as an incentive. If women want, they can invest this money directly in mutual funds from their account. By saving this money, she can raise a big fund within a few years, through which she can set up her own business and can also use it for other purposes.
Let us tell you, the family cannot stake claim on the amount received from the government, because it is not a part of anyone’s income. Therefore, if you want, you can raise the amount received from government schemes up to Rs 23 lakh in 20 years by doing monthly SIP of only Rs 1000. In a way, the public is getting this amount for free from the government.